HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Chippewa County, Michigan (FY 2026)
$1,066 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Chippewa County, and it's the baseline every voucher in Chippewa is measured against.
2 bedroom FMR
$1,066
FY 2026, utilities included
Payment standard range
$959 to $1,173
90% to 110% of FMR
Income to afford 2BR
$42,640
per year, at 30% of income
Rank in Michigan
36th of 83
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Chippewa moves to $1,042. That's down 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Chippewa actually rent for?
Search any address in Chippewa for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $735 | $662 to $809 | $29,400 | $14.13/hr | +4.9% |
| 1 bedroom | $823 | $741 to $905 | $32,920 | $15.83/hr | +5.5% |
| 2 bedroom | $1,066 | $959 to $1,173 | $42,640 | $20.50/hr | +4.2% |
| 3 bedroom | $1,278 | $1,150 to $1,406 | $51,120 | $24.58/hr | +3.6% |
| 4 bedroom | $1,411 | $1,270 to $1,552 | $56,440 | $27.13/hr | +4.1% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,623 | $1,461 to $1,785 |
| 6 bedroom Estimate | $1,834 | $1,651 to $2,017 |
| 7 bedroom Estimate | $2,046 | $1,841 to $2,251 |
| 8 bedroom Estimate | $2,258 | $2,032 to $2,484 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Chippewa, that runs from $735 for a studio up to $1,411 for four bedrooms, all five rates in the table above.
Because Chippewa sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Kincheloe included.
Among Michigan's 83 counties, Chippewa ranks 36th for two-bedroom FMR. That's about 3% above the state median of $1,033 and about 5% above the national median county at $1,018. About 36,670 people live here, 44th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 49715 (Brimley) and $1,140 in 49780 (Rudyard), with the 16 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 49710 | Barbeau | $1,070 | +0.4% |
| 49715 | Brimley | $970 | -9.0% |
| 49724 | Dafter | $1,070 | +0.4% |
| 49725 | De Tour Village | $1,050 | -1.5% |
| 49726 | Drummond Island | $1,060 | -0.6% |
| 49728 | Eckerman | $1,070 | +0.4% |
| 49736 | Goetzville | $1,070 | +0.4% |
| 49748 | Hulbert | $1,070 | +0.4% |
| 49752 | Kinross | $1,070 | +0.4% |
| 49768 | Paradise | $1,070 | +0.4% |
| 49774 | Pickford | $1,060 | -0.6% |
| 49780 | Rudyard | $1,140 | +6.9% |
| 49783 | Sault Sainte Marie | $1,070 | +0.4% |
| 49784 | Kincheloe | $1,090 | +2.3% |
| 49785 | Kincheloe | $1,066County rate | — |
| 49786 | Kincheloe | $1,066County rate | — |
| 49788 | Kincheloe | $1,090 | +2.3% |
| 49793 | Trout Lake | $1,100 | +3.2% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Chippewa somewhere between $959 and $1,173. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,066 a month is affordable, by HUD's 30% rule, on an income of roughly $42,640 a year. Put another way, $21 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($959) | HAP at 100% ($1,066) | HAP at 110% ($1,173) |
|---|---|---|---|---|
| $2,500 | $750 | $209 | $316 | $423 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($1,023) to FY 2026 ($1,066). Since FY 2020 it's up 50% in total, about 6.9% a year. The Michigan median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $475 | $552 | $713 | $889 | $966 | — |
| FY 2021 | $507 | $584 | $769 | $956 | $1,043 | +7.9% |
| FY 2022 | $532 | $608 | $800 | $989 | $1,085 | +4.0% |
| FY 2023 | $594 | $675 | $888 | $1,081 | $1,193 | +11.0% |
| FY 2024 | $697 | $782 | $1,028 | $1,243 | $1,369 | +15.8% |
| FY 2025 | $701 | $780 | $1,023 | $1,233 | $1,356 | -0.5% |
| FY 2026 | $735 | $823 | $1,066 | $1,278 | $1,411 | +4.2% |
| FY 2027 | $726 | $863 | $1,042 | $1,242 | $1,369 | -2.3% |
Nearby counties
Mackinac County
$1,02330 mi · pop 10,843
Luce County
$98854 mi · pop 5,442
Cheboygan County
$1,05455 mi · pop 25,709
Emmet County
$1,23555 mi · pop 34,072
Presque Isle County
$97372 mi · pop 13,083
Charlevoix County
$1,03974 mi · pop 26,174
Schoolcraft County
$97379 mi · pop 8,062
Otsego County
$1,10087 mi · pop 25,221
Questions people ask
$1,066 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $735 for a studio, $823 for one bedroom, $1,278 for three and $1,411 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Chippewa actually go for?
HUD's number is one input. Search any address in Chippewa for a rent estimate built from nearby comps. 3 free searches, no card.
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